Best Virtual and Prepaid Debit Cards for Pakistani Shoppers

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Prepaid Debit Cards

Most people avoid online shopping due to mistrust (in the provider/store) or lack of working debit cards. While, we’ll deal with trust in another post; lets venture into the world of virtual prepaid cards and regular prepaid debit cards.

The concept of online shopping has increased by many folds in the recent years, and it is an integral part of the global economy. Many people, though, still cannot shop online due to restrictions placed on them based on their location. Namely, many people cannot order products from certain websites because Pakistan is not supported by that site’s shipping services, or perhaps their bank still does not support online payments.

We have already covered in detail how one can get a parcel forwarding address in order to get the items anywhere in the world but now its time to focus on a payment solution to go with your new address.

Virtual debit cards and Virtual Prepaid Cards are becoming a necessity in the online marketplace. The internet has many dangers including scam virtual debit card sites such as Cliffscard and Safepay. Below is a list of the best virtual and prepaid debit card services out there.

How Virtual or Prepaid Debit Cards Work

Virtual debit card providers offer prepaid debit cards that can be accepted globally. Once you sign up with these services, you have to go through a verification process. Getting verified is not very difficult or lengthy especially if you have your  smartphone nearby. They ask for certain documents to verify & check you are indeed a registered citizen with a valid residential address, contact number and a bank account or not. Once the documents are verified, you are a free to use your own money via their virtual debit cards.

How? Well you simply have to upload your funds via their allowed methods which can be local bank transfer, wire transfer, Credit/Debit card etc. and then wait for the money to get topped up in your card. After that you can use your virtual prepaid card on any website to purchase anything.

Now for the list of Virtual Prepaid Cards and Prepaid Debit Cards

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MCB Lite

MCB Lite Prepaid Debit cardA very good card for internet use from MCB. The MCB Lite is a prepaid Visa card, enabled for internet payments for local and international transactions. The card is free to signup and use; meaning there is no loading fee or monthly service fees attached to it. There is an annual fee of PKR 300 on all MCB Lite plans though which is a reasonable amount.

Speaking of plans, every new account/card starts at MCB Lite 0 which has an annual limit of PKR 200,000 (deposit & withdrawal). Once you visit a MCB Lite branch and submit some documents, you can upgrade to Lite 1 and Lite 2 for free. Full charges and limits are clearly defined however, they make no mention of the FX charges on foreign currency transactions. Thankfully, one doesnt need to be an MCB account holder to get this card. Though you can avail all the facilities of holding a bank account. From paying utility bills and mobile top ups to sending money to other account holders within MCB network and outside of it via IBFT.

Recently, MCB has enabled the Lite account to receive remittances directly into the mobile wallet. This makes it one of the best & most powerful prepaid cards in the market today. Some of these remittance providers include: Xpress Money, UAE Exchange, MoneyGram, Transfast, EZRemit, Ria,and ACE etc. Also, did we mention that this is a full fledged mobile wallet with its own app? Its not the best with mediocre reviews however, it beats not having any insight into account balance and relying only on text messages and ATM machines.

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15 COMMENTS

  1. Hi,
    I hope you are fine and doing great. I have read this article about payment solutions for international purchase from Pakistan (which is BTW a great guide) and have a question regarding using the right card to purchase Gigs from fiverr. I have tried SC Debit and Credit card as well as Meezan and MCB debit cards but all were declined. I am not sure if MCB lite or UBL Wiz will work. Any thoughts?

    Moreover, all the other methods (IntroPay, MoneyPolo, US Unlocked) are not accepting new applicants.

    Let me know.
    Thanks.

    • Meezan cards should work because for me it does. And yes, its very sad that these services have all pulled out from either us(Paksitan) or generally stopped accepting applicants outside EU.

      • can you clarify this please.Are you saying that meezan cards work for buying gigs on fiverr.Also if yes then can you clarify if its debit or credit?

          • thanks for replying zahra.did you buy a gig recently from fiverr in last 2-3 months and also did you buy multiple gigs or just once and did you ever face any trouble like declined payment or does it go through everytime? sorry for lots of questions but i have mcb lite card sometimes it works and sometimes it does not.i would like to open meezan bank account if it works on fiverr.Let me know.Thanks again for your help.

  2. I live in Pakistan and I’d like to get a virtual debit or credit card that I can use on Amazon, Playstation store, Paypal etc. . I had one on Entropay and now I can no longer use it as they now only provide it to European countries. I don’t want one from UBL or MCB as I have to open an account there. So, are there any other options available? Thanks.

  3. hi
    i am dying to use any virtual card that can work with xbox live account. see i have made an account on entropay but they say they dont use AVS(address verification system) and i know that microsoft uses verification like address name and zipcode attached with the card number that i will put in. this is the problem as i dont know whether my payment will be accepted or will i waste my money through entropay. Even if i use a shipping US address (i ahve one for florida based parcel company) on the microsoft site will the enropay card work?

    now coming to Pakistani solution as i am one myself! The mcb lite card seems like a good option but again i have same doubts that as they will register my address of pakistan but when i will use that card numebr in the Xbox account the cross check wont match bcz i have to give them the US address so again i am absolutely confused what will happen as i dont want to waste my top up money! so plz QH tell me something that can calm me

    • Maybe I can calm you down.

      May I ask what it is that you are planning to purchase? I ask because there are things that you can simply purchase via Xbox Live prepaid card and Xbox prepaid card. And these both cards are available to purchase via Keenu Wallet… this is something we have tested as well.

      There is a 50% chance that with entropay you will lose out if the payment is not accepted, and same goes for the MCB Lite account. Though I am in the process of checking everything out (via MCB Lite card) in the coming months… but consider the Keenu Wallet option.

      There is also a store by the name of TechStudio – I just confirmed and they keep Xbox cards as well (they deliver nationwide and prepaid cards via email) – techstudio.pk

      • thanks zahra i tried commenting the same thing on ur original thread on the techvise.com site but the comment system was broken for some reason.

        this is the thing why do i need a virtual cc for xbox live bcz i can easily buy the games from any xbox gift card that is fine and well known but most people dont know and it is the worst thing of microsoft that they dont allow users to buy the games of xbox360 which are backwards compatible thrugh the account money or gift cards.

        that is why i am looking for a virtual card bcz they need a payment method plus they do a cross check of the address which is even more damning! Entropay people just replied to my same question with the routine answer they have on their site that yes it might or might not work(like i dont know that before!) they dont provide AVS.

        coming back again to MCB lite i have applied online but it seems i have to go to the branch and fill out some form it will take a while. can u check mcblite card with xbox live for xbox 360 backwards compatible games? i know it is not ur thing but since u are checking everything u might give taht a try as well plz

        i dont know anything about keenu wallet but thx anyway i am not looking for options to buy xbox gift cards i can get them from various sources and differnt price ranges but that is not my concern but if keenu wallet can satisy xbox live purchase system with the check and all i might try it. i will look at techstudio for the prices of cards if they are any good i might use them! hope u reply again and quick plz

        • Will have the Global site checked asap tomorrow.

          Yes Microsoft can be a pain, in fact a lot are like this, but yes they should be lenient. I’ll try to check if I can once my MCB Lite card arrives. Will update you once its tested.

          • thanks for that
            but why does it take an entire 20+ hours for my comment to show up here?

            and again check the xbox for xbox360 backwards compatible games purchase not the xbox one games! this is assuming u do own or have a xbox in the first place!

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